MONTHLY AMORTIZATION FACTOR

(under Affordable Housing)

per P1,000 LOAN

1,000.00

INTEREST RATE

TERM OF LOAN

(in months)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38

4.50%

1,003.75000
502.81425
335.83645
252.34814
202.25561
168.86099
145.00802
127.11859
113.20484
102.07408
92.96731
85.37852
78.95742
73.45379
68.68413
64.51083
60.82864
57.55571
54.62742
51.99208
49.60784
47.44045
45.46163
43.64781
41.97919
40.43902
39.01301
37.68895
36.45629
35.30588
34.22976
33.22098
32.27340
31.38164
30.54089
29.74692
28.99594
28.28453

6.50%

1,005.41667
504.06616
336.95095
253.39456
203.26170
169.84061
145.96910
128.06608
114.14204
103.00331
93.89024
86.29642
79.87125
74.36432
69.59197
65.41646
61.73248
58.45810
55.52865
52.89239
50.50743
48.33951
46.36031
44.54625
42.87751
41.33732
39.91140
38.58751
37.35508
36.20498
35.12924
34.12088
33.17379
32.28254
31.44237
30.64900
29.89865
29.18793

39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85

27.60967
26.96862
26.35889
25.77825
25.22467
24.69630
24.19147
23.70864
23.24641
22.80349
22.37869
21.97093
21.57920
21.20259
20.84023
20.49134
20.15518
19.83106
19.51836
19.21648
18.92487
18.64302
18.37045
18.10671
17.85138
17.60407
17.36440
17.13203
16.90663
16.68789
16.47553
16.26927
16.06885
15.87403
15.68458
15.50028
15.32093
15.14633
14.97629
14.81064
14.64922
14.49186
14.33841
14.18874
14.04270
13.90016
13.76101

28.51377
27.87344
27.26447
26.68461
26.13183
25.60429
25.10031
24.61834
24.15698
23.71495
23.29106
22.88422
22.49344
22.11777
21.75637
21.40845
21.07327
20.75014
20.43844
20.13756
19.84697
19.56615
19.29461
19.03191
18.77762
18.53136
18.29275
18.06144
17.83711
17.61945
17.40817
17.20299
17.00366
16.80993
16.62158
16.43838
16.26013
16.08663
15.91771
15.75317
15.59287
15.43663
15.28430
15.13575
14.99084
14.84944
14.71141

86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132

13.62512
13.49237
13.36268
13.23592
13.11200
12.99084
12.87233
12.75640
12.64296
12.53193
12.42323
12.31681
12.21258
12.11047
12.01043
11.91240
11.81631
11.72211
11.62974
11.53916
11.45030
11.36313
11.27759
11.19365
11.11125
11.03035
10.95092
10.87292
10.79631
10.72105
10.64710
10.57444
10.50303
10.43284
10.36384
10.29600
10.22929
10.16368
10.09915
10.03567
9.97322
9.91176
9.85129
9.79177
9.73318
9.67551
9.61873

14.57666
14.44505
14.31650
14.19088
14.06811
13.94809
13.83073
13.71594
13.60365
13.49377
13.38623
13.28096
13.17788
13.07694
12.97806
12.88118
12.78625
12.69321
12.60201
12.51259
12.42489
12.33889
12.25452
12.17174
12.09050
12.01078
11.93252
11.85568
11.78024
11.70615
11.63337
11.56188
11.49165
11.42263
11.35480
11.28813
11.22259
11.15816
11.09480
11.03249
10.97121
10.91093
10.85163
10.79329
10.73588
10.67938
10.62377

133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179

9.56282
9.50775
9.45353
9.40011
9.34750
9.29566
9.24458
9.19425
9.14465
9.09577
9.04758
9.00008
8.95325
8.90708
8.86155
8.81665
8.77237
8.72870
8.68561
8.64312
8.60119
8.55982
8.51899
8.47871
8.43895
8.39972
8.36098
8.32275
8.28501
8.24774
8.21095
8.17462
8.13874
8.10331
8.06832
8.03376
7.99962
7.96589
7.93257
7.89966
7.86713
7.83500
7.80324
7.77186
7.74084
7.71018
7.67988

10.56903
10.51514
10.46209
10.40985
10.35841
10.30774
10.25784
10.20869
10.16026
10.11255
10.06554
10.01921
9.97355
9.92855
9.88420
9.84047
9.79736
9.75486
9.71295
9.67162
9.63087
9.59067
9.55102
9.51190
9.47332
9.43525
9.39768
9.36062
9.32404
9.28795
9.25232
9.21716
9.18245
9.14819
9.11436
9.08096
9.04798
9.01542
8.98327
8.95151
8.92015
8.88918
8.85858
8.82836
8.79850
8.76901
8.73987

180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226

7.64993
7.62033
7.59106
7.56212
7.53351
7.50522
7.47724
7.44958
7.42222
7.39517
7.36841
7.34194
7.31576
7.28987
7.26425
7.23890
7.21383
7.18902
7.16447
7.14018
7.11615
7.09236
7.06883
7.04553
7.02247
6.99965
6.97707
6.95471
6.93257
6.91066
6.88897
6.86749
6.84623
6.82518
6.80433
6.78369
6.76325
6.74300
6.72296
6.70310
6.68344
6.66396
6.64467
6.62557
6.60664
6.58789
6.56932

8.71107
8.68262
8.65451
8.62673
8.59927
8.57214
8.54532
8.51881
8.49261
8.46670
8.44110
8.41578
8.39075
8.36601
8.34154
8.31734
8.29341
8.26975
8.24635
8.22321
8.20032
8.17768
8.15528
8.13313
8.11121
8.08953
8.06808
8.04686
8.02587
8.00509
7.98454
7.96419
7.94407
7.92415
7.90443
7.88492
7.86561
7.84650
7.82758
7.80886
7.79032
7.77197
7.75381
7.73583
7.71802
7.70040
7.68295

227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273

6.55092
6.53269
6.51463
6.49673
6.47901
6.46144
6.44403
6.42678
6.40969
6.39275
6.37596
6.35932
6.34284
6.32649
6.31030
6.29424
6.27833
6.26255
6.24692
6.23141
6.21605
6.20081
6.18571
6.17074
6.15589
6.14117
6.12657
6.11210
6.09775
6.08352
6.06941
6.05542
6.04155
6.02778
6.01414
6.00060
5.98718
5.97386
5.96066
5.94756
5.93456
5.92168
5.90889
5.89621
5.88363
5.87115
5.85877

7.66567
7.64856
7.63162
7.61484
7.59823
7.58178
7.56549
7.54935
7.53337
7.51755
7.50187
7.48634
7.47097
7.45573
7.44064
7.42569
7.41088
7.39621
7.38168
7.36728
7.35302
7.33888
7.32488
7.31100
7.29725
7.28363
7.27013
7.25675
7.24349
7.23036
7.21734
7.20443
7.19165
7.17897
7.16641
7.15396
7.14162
7.12939
7.11727
7.10525
7.09333
7.08153
7.06982
7.05821
7.04671
7.03530
7.02399

274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320

5.84649
5.83430
5.82221
5.81022
5.79831
5.78651
5.77479
5.76316
5.75163
5.74018
5.72882
5.71755
5.70636
5.69526
5.68425
5.67332
5.66247
5.65170
5.64101
5.63040
5.61987
5.60942
5.59905
5.58876
5.57854
5.56839
5.55832
5.54833
5.53841
5.52856
5.51878
5.50907
5.49943
5.48986
5.48036
5.47093
5.46157
5.45227
5.44304
5.43388
5.42477
5.41574
5.40677
5.39786
5.38901
5.38022
5.37150

7.01278
7.00167
6.99065
6.97972
6.96889
6.95814
6.94749
6.93693
6.92646
6.91607
6.90577
6.89556
6.88543
6.87539
6.86543
6.85555
6.84575
6.83603
6.82640
6.81684
6.80736
6.79796
6.78863
6.77938
6.77020
6.76110
6.75207
6.74312
6.73423
6.72542
6.71667
6.70800
6.69940
6.69086
6.68239
6.67399
6.66565
6.65738
6.64918
6.64104
6.63296
6.62495
6.61699
6.60910
6.60127
6.59350
6.58580

321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

5.36284
5.35423
5.34569
5.33720
5.32878
5.32041
5.31210
5.30385
5.29565
5.28751
5.27942
5.27139
5.26341
5.25548
5.24761
5.23980
5.23203
5.22432
5.21665
5.20904
5.20148
5.19397
5.18651
5.17910
5.17173
5.16442
5.15715
5.14993
5.14276
5.13563
5.12855
5.12152
5.11453
5.10759
5.10069
5.09384
5.08703
5.08026
5.07353
5.06685

6.57815
6.57056
6.56302
6.55555
6.54813
6.54077
6.53347
6.52622
6.51902
6.51188
6.50480
6.49777
6.49079
6.48386
6.47698
6.47016
6.46339
6.45667
6.44999
6.44337
6.43680
6.43027
6.42380
6.41737
6.41099
6.40466
6.39837
6.39213
6.38593
6.37978
6.37368
6.36761
6.36160
6.35562
6.34969
6.34381
6.33796
6.33216
6.32640
6.32068

MONTHLY AMORTIZATION FACTOR

(under Affordable Housing)

per P1,000 LOAN

1,000.00
TERM OF LOAN

(in years)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

Amortization Factor
4.50%

85.37852
43.64781
29.74692
22.80349
18.64302
15.87403
13.90016
12.42323
11.27759
10.36384
9.61873
9.00008
8.47871
8.03376
7.64993
7.31576
7.02247
6.76325
6.53269
6.32649
6.14117
5.97386
5.82221
5.68425
5.55832
5.44304
5.33720
5.23980
5.14993
5.06685

6.50%

86.29642
44.54625
30.64900
23.71495
19.56615
16.80993
14.84944
13.38623
12.25452
11.35480
10.62377
10.01921
9.51190
9.08096
8.71107
8.39075
8.11121
7.86561
7.64856
7.45573
7.28363
7.12939
6.99065
6.86543
6.75207
6.64918
6.55555
6.47016
6.39213
6.32068

MONTHLY AMORTIZATION FACTOR

(under HDMF Circular No. 310)

per P1,000 LOAN

1,000.00

Interest Rate per Preferred Fixing Period

TERM OF
LOAN

3-year

5-year

10-year

15-year

30-year

(in months)

7.985%

8.985%

10.000%

10.75%

12.25%

1,007.48750
505.62261
338.33741
254.69714
204.51484
171.06153
147.16763
129.24837
115.31220
104.16420
95.04395
87.44452
81.01495
75.50455
70.72949
66.55190
62.86633
59.59079
56.66053
54.02376
51.63855
49.47061
47.49158
45.67786
44.00961
42.47004
41.04486
39.72181
38.49032
37.34124
36.26659
35.25940
34.31353
33.42357
32.58473
31.79275

1,008.33333
506.25864
338.90426
255.22994
205.02766
171.56139
147.65856
129.73288
115.79196
104.64038
95.51741
87.91589
81.48472
75.97311
71.19715
67.01890
63.33289
60.05708
57.12669
54.48992
52.10482
49.93706
47.95831
46.14493
44.47708
42.93796
41.51328
40.19078
38.95987
37.81141
36.73741
35.73090
34.78573
33.89650
33.05840
32.26719

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36

1,006.65417
504.99614
337.77925
254.17265
204.01015
170.56972
146.68474
128.77193
114.84056
103.69620
94.57875
86.98149
80.55361
75.04452
70.27047
66.09363
62.40861
59.13345
56.20343
53.56678
51.18159
49.01357
47.03439
45.22045
43.55192
42.01202
40.58645
39.26298
38.03103
36.88145
35.80628
34.79853
33.85209
32.96153
32.12207
31.32945

1,008.95833
506.72874
339.32331
255.62392
205.40696
171.93120
148.02184
130.09149
116.14714
104.99299
95.86807
88.26509
81.83282
76.32039
71.54384
67.36519
63.67893
60.40299
57.47258
54.83588
52.45092
50.28339
48.30491
46.49185
44.82438
43.28567
41.86144
40.53941
39.30901
38.16108
37.08764
36.08170
35.13712
34.24850
33.41103
32.62045

1,010.20833
507.66921
340.16193
256.41261
206.16647
172.67193
148.74972
130.81022
116.85920
105.70011
96.57151
88.96578
82.53150
77.01763
72.24009
68.06082
64.37424
61.09824
58.16799
55.53163
53.14716
50.98025
49.00252
47.19031
45.52376
43.98607
42.56292
41.24203
40.01284
38.86616
37.79401
36.78940
35.84620
34.95898
34.12295
33.33384

37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83

30.57987
29.86993
29.19659
28.55710
27.94898
27.37000
26.81811
26.29147
25.78841
25.30737
24.84696
24.40588
23.98296
23.57710
23.18729
22.81262
22.45223
22.10531
21.77115
21.44905
21.13837
20.83854
20.54899
20.26922
19.99873
19.73709
19.48387
19.23867
19.00114
18.77090
18.54765
18.33107
18.12088
17.91679
17.71855
17.52592
17.33866
17.15656
16.97942
16.80703
16.63921
16.47579
16.31659
16.16146
16.01026
15.86282
15.71903

31.04383
30.33457
29.66192
29.02313
28.41573
27.83747
27.28632
26.76043
26.25812
25.77785
25.31821
24.87792
24.45578
24.05072
23.66172
23.28785
22.92827
22.58218
22.24883
21.92756
21.61772
21.31872
21.03001
20.75108
20.48144
20.22064
19.96828
19.72393
19.48725
19.25788
19.03549
18.81977
18.61044
18.40722
18.20985
18.01809
17.83171
17.65049
17.47422
17.30270
17.13576
16.97322
16.81490
16.66066
16.51033
16.36378
16.22087

31.51905
30.81059
30.13875
29.50079
28.89423
28.31682
27.76653
27.24152
26.74009
26.26071
25.80197
25.36258
24.94136
24.53721
24.14914
23.77621
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9.67384
9.66699
9.66020
9.65349
9.64684
9.64026
9.63375
9.62731
9.62093
9.61461
9.60836
9.60218
9.59605
9.58999
9.58399
9.57805
9.57217
9.56635
9.56059
9.55489
9.54924
9.54365
9.53812
9.53264
9.52722
9.52185
9.51654

10.89619
10.88877
10.88145
10.87420
10.86704
10.85996
10.85295
10.84603
10.83919
10.83243
10.82574
10.81913
10.81259
10.80613
10.79973
10.79342
10.78717
10.78099
10.77488
10.76884
10.76287
10.75697
10.75113
10.74535
10.73965
10.73400
10.72842
10.72290
10.71744
10.71204
10.70670
10.70142
10.69620
10.69104
10.68593
10.68088
10.67589
10.67095
10.66606
10.66123
10.65646
10.65173
10.64706
10.64244
10.63787
10.63334
10.62887

319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360

7.56633
7.55948
7.55268
7.54595
7.53927
7.53265
7.52608
7.51957
7.51311
7.50670
7.50035
7.49405
7.48780
7.48161
7.47546
7.46937
7.46332
7.45733
7.45139
7.44549
7.43964
7.43384
7.42809
7.42238
7.41672
7.41111
7.40554
7.40001
7.39454
7.38910
7.38371
7.37836
7.37306
7.36780
7.36258
7.35740
7.35226
7.34717
7.34211
7.33710
7.33213
7.32719

8.25147
8.24522
8.23902
8.23288
8.22680
8.22076
8.21478
8.20886
8.20299
8.19716
8.19139
8.18568
8.18001
8.17439
8.16882
8.16330
8.15783
8.15240
8.14703
8.14170
8.13641
8.13118
8.12598
8.12084
8.11574
8.11068
8.10566
8.10069
8.09577
8.09088
8.08604
8.08124
8.07648
8.07176
8.06708
8.06244
8.05784
8.05329
8.04877
8.04428
8.03984
8.03544

8.96868
8.96304
8.95744
8.95190
8.94641
8.94098
8.93559
8.93026
8.92497
8.91974
8.91456
8.90942
8.90433
8.89929
8.89430
8.88936
8.88446
8.87960
8.87480
8.87003
8.86531
8.86064
8.85601
8.85142
8.84687
8.84237
8.83791
8.83349
8.82911
8.82477
8.82047
8.81621
8.81199
8.80781
8.80367
8.79956
8.79550
8.79147
8.78748
8.78352
8.77960
8.77572

9.51127
9.50606
9.50091
9.49580
9.49074
9.48574
9.48078
9.47588
9.47102
9.46621
9.46144
9.45673
9.45206
9.44744
9.44286
9.43833
9.43384
9.42940
9.42499
9.42064
9.41632
9.41205
9.40782
9.40363
9.39948
9.39537
9.39131
9.38728
9.38329
9.37934
9.37543
9.37155
9.36772
9.36392
9.36015
9.35643
9.35274
9.34908
9.34546
9.34188
9.33833
9.33481

10.62445
10.62007
10.61575
10.61147
10.60724
10.60305
10.59891
10.59481
10.59076
10.58675
10.58279
10.57887
10.57499
10.57115
10.56736
10.56360
10.55989
10.55621
10.55258
10.54899
10.54543
10.54191
10.53843
10.53499
10.53158
10.52821
10.52488
10.52159
10.51832
10.51510
10.51190
10.50875
10.50562
10.50253
10.49947
10.49645
10.49346
10.49050
10.48757
10.48467
10.48180
10.47896

MONTHLY AMORTIZATION FACTOR

(under HDMF Circular No. 310)

per P1,000 LOAN

1,000.00

Interest Rate per Preferred Fixing Period

TERM OF
LOAN

3-year

5-year

10-year

15-year

30-year

(in years)

7.985%

8.985%

10.000%

10.75%

12.25%

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

86.98149
45.22045
31.32945
24.40588
20.26922
17.52592
15.57874
14.12906
13.01094
12.12483
11.40737
10.81630
10.32237
9.90467
9.54786
9.24045
8.97363
8.74056
8.53581
8.35507

87.44452
45.67786
31.79275
24.87792
20.75108
18.01809
16.08147
14.64242
13.53496
12.65946
11.95252
11.37186
10.88820
10.48061
10.13374
9.83609
9.57882
9.35508
9.15946
8.98761

87.91589
46.14493
32.26719
25.36258
21.24704
18.52584
16.60118
15.17416
14.07869
13.21507
12.51988
11.95078
11.47848
11.08203
10.74605
10.45902
10.21210
9.99844
9.81259
9.65022

88.26509
46.49185
32.62045
25.72428
21.61795
18.90628
16.99127
15.57390
14.48801
13.63387
12.94799
12.38804
11.92469
11.53696
11.20948
10.93070
10.69178
10.48585
10.30747
10.15229

88.96578
47.19031
33.33384
26.45675
22.37099
19.68044
17.78671
16.39051
15.32555
14.49199
13.82626
13.28597
12.84173
12.47254
12.16299
11.90150
11.67923
11.48927
11.32620
11.18565

21
22
23
24
25
26
27
28
29
30

8.19482
8.05220
7.92482
7.81072
7.70823
7.61594
7.53265
7.45733
7.38910
7.32719

8.83603
8.70184
8.58265
8.47649
8.38169
8.29685
8.22076
8.15240
8.09088
8.03544

9.50780
9.38246
9.27182
9.17389
9.08701
9.00977
8.94098
8.87960
8.82477
8.77572

10.01679
9.89810
9.79382
9.70199
9.62093
9.54924
9.48574
9.42940
9.37934
9.33481

11.06410
10.95869
10.86704
10.78717
10.71744
10.65646
10.60305
10.55621
10.51510
10.47896